While I didn't need the plan, when traveling internationally I wanted a plan that allowed me to cancel the plan if work required it, and medical coverage in the event something happened overseas (as not all US health insurance will cover it). I'm fortunate that I didn't need it, but immediately after the purchase they send all the program details and also a nice summary sheet of your coverages and who to contact overseas, the perfect paper to keep on hand when traveling in the event something happens. Will definitely consider this plan again.